Let me break this down for you: You've probably heard that the UK's housing market is starting to show signs of life again. The Royal Institution of Chartered Surveyors (RICS) put out a report suggesting that recent conservative economic measures might be stabilizing the property sector, with new buyer inquiries and agreed sales showing less negative trends.

Nobody is going to tell you this on CNN: these numbers are not what they seem. You know how I feel about the Fed and Wall Street—when it comes to housing, they want you to believe everything's under control so their stock prices don't drop.

The buried number here—what nobody talks about—is that even a slight uptick in activity doesn't mean affordability is getting any better for the average person. In fact, the median house price-to-income ratio continues to climb, making homeownership out of reach for more people every day.

Now, I've been watching this stuff for years and it's clear that when you see a report like this, it's not because things are getting better, but because they're finding new ways to make the numbers look decent. It’s like when your doctor tells you the bad news is “transitory.” Yeah right.

So who does this benefit? Not you and me, that’s for sure. If you’re trying to buy a house in England or Wales right now, you know how hard it's becoming. These numbers are just a way to keep up appearances and give the government cover so they don't have to do anything.

But here's what you need to know: The real story is hidden in the footnotes of these reports. That’s where the truth lies, but nobody wants to talk about it because then people would start asking why nothing has changed for them.

Protect yourself. Protect your family. It's a tough market out there and we can't trust that anyone else is looking out for us when it comes to housing prices.